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Pet Protect insurance

Looking for an affordable pet insurance policy? Find out if Pet Protect can offer your critter the protection it needs.

Pet insurance can give you more than just peace of mind. Should anything happen to your furry friend vet bills can often cost hundreds, if not thousands, of pounds.

We’ve analysed the policies on offer from Pet Protect, so you can see if it has the ideal pet insurance for you and your pet.

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Who is Pet Protect?

Pet Protect has been offering pet insurance for cats and dogs for over thirty years. It’s one of the only specialist pet insurers and has a background in the veterinary profession, which it says still guides the way it works today.

Pet Protect says it aims to help customers meet the expensive cost of treatments for their pets, and will help cover your pet with the support, treatment and medication your vet recommends.

What are Pet Protect’s cover options?

Pet Protect offers policies for both cats and dogs, and has five levels of cover ranging from Time Care to Lifetime Extra. They all have different features and varying levels of protection. You can see what each offers below.

While Pet Protect offers different prices for cats and dogs, the policies have the same features. Although there is one exception, with third-party liability only covering dogs.

So if your cat somehow manages to destroy your neighbour’s living room, you’re going to have to pay!

Compare Pet Protect’s available policies in our table

Time Care Essential cover

Time Care cover is Pet Protect’s most basic policy. It covers your pet for an injury or illness up to a certain financial limit, or for 12 months from the date your pet started showing clinical signs of its injury or illness. Whichever is reached first.

Features of this policy include:

  • Cover for vet fees up to a certain financial limit over the course of a year.
  • Cover for illnesses, accidents and injuries up to 12 months from the first day of treatment.
  • If vet says animal needs to be put down, will cover euthanasia costs up to a financial limit.
  • Third-party liability cover up to £1 million (dogs only).
Time Care Plus cover

The Time Care Plus policy offers similar protection to the more basic Time Care Essential insurance, however it will protect you for up to £3,000 instead of £1,000. Once again, it will stop offering financial help once this monetary limit is reached or it has been 12 months since your pet first started showing clinical symptoms.

Features of this policy include:

  • Cover for vet fees up to a certain financial limit over the course of a year.
  • Cover for illnesses, accidents and injuries up to 12 months from the first day of treatment.
  • If vet says animal needs to be put down, will cover euthanasia costs up to a financial limit.
  • Third-party liability cover up to £1 million (dogs only).
Condition Care cover

With Condition Care cover you’ll get financial help with treatment bills up until the vet fee for that particular injury or illness is reached, then you’ll have to start forking out. Features of this policy include:

  • Cover for vet fees up to a certain financial limit over the course of a year.
  • Third-party liability cover up to £1 million (dogs only).
  • If vet says animal needs to be put down, will cover euthanasia costs up to a financial limit.
Lifetime Plus cover

With Lifetime Plus cover there isn’t a 12-month limit on a particular treatment. This means if your pet has a recurring condition you will get financial help for as long as that particular illness or injury lasts.

There is an annual benefit limit, in other words, a maximum amount Pet Protect will pay out for a condition in a particular year. However, this slate is wiped clean each year, as long as you keep renewing your insurance with Pet Protect.

Features of this policy include:

  • Cover for vet fees up to a certain financial limit over the course of a year.
  • CT and MRI scans are covered for up to £750 but are included in the annual vet fees limits.
  • Cruciate ligament injuries are protected.
  • Dental work and complementary medicines such as hydrotherapy or herbal medicines are covered.
  • Financial help if pet is stolen or strays.
  • Third-party liability cover up to a set amount (dogs only).
  • Holiday cancellation or curtailment cover up to a set amount.
Lifetime Extra cover

Again there isn’t a 12-month limit on any particular treatment with Lifetime Extra cover. This means if your pet has a condition which needs long term treatment, you will get financial help for as long as that particular illness or injury lasts.

There is a maximum amount of money Pet Protect will pay out for a specific condition annually. However, this is renewed and replenished when you renew your policy. Key features of this deal include:

  • Cover for vet fees up to a certain financial limit over the course of a year.
  • CT and MRI scans are covered for up to £750 but are included in the annual vet fees limits.
  • Cruciate ligament injuries are protected.
  • Dental work and complementary medicines such as hydrotherapy or herbal medicines are covered.
  • Financial help if pet is stolen or strays.
  • Third-party liability cover up to a set amount (dogs only).
  • Holiday cancellation or curtailment cover up to a set amount.

What’s covered under my policy?

Pet Protect’s policies offer varying levels of protection, and as such, they will cover you for different risks and events. The table shows the features and benefits included in Time Care, Condition Care, Lifetime Plus and Lifetime Extra.

BenefitsTime CareCondition CareLifetime PlusLifetime Extra
Injury veterinary fees
Euthanasia fees
Third-party liability (dogs only)
Loss and recovery of your pet
Emergency boarding and pet minding services
Illness veterinary fees
Loss of pet
Recovery of pet fees
Death from euthanasia
Holiday cancellation or curtailment
Travel cover

What exclusions are there?

As with all pet insurers, Pet Protect has a list of exclusions such as:

  • Pre-existing injuries, illnesses or medical conditions.
  • Routine pre-op screenings or blood tests.
  • Killing and controlling parasitic conditions including parasites and mites.
  • Routine and preventative treatment, such as vaccinations, neutering, worm, tick and flea treatments, grooming, claw clipping and routine dental treatment.
  • Pregnancy and birth treatment.
  • Working dogs, including dogs trained for security, farming, hunting, racing and volunteering purposes.
  • Any of the following breeds or any dogs crossed with the following breeds: Pit Bulls, American Pit Bull Terriers, Dogo Argentinos, Japanese Tosas, Chinese Shar-Pei, Akita, Dogue de Bordeaux, Fila Brasileiro, wolves, wolf hybrids.

How much is the excess?

An excess is the amount of money you have to pay out of your own pocket for your pet’s treatment before the insurer starts helping out.

How much you have to pay in excess will depend on the policy you have and certain factors like the age of your pet. Pet Protect will specify your excess obligations before your cover starts and you can see the exact amounts in your policy document.

What is the claims process for Pet Protect pet insurance?

To make a pet insurance claim you will need to download a claims form from Pet Protect’s website. As the policyholder, you should complete the form, sign and date it, and obtain the signature of the treating vet too. You’ll also need to provide:

  1. Treatment invoices to confirm the amount claimed.
  2. A copy of your pet’s full updated medical history.
  3. A copy of your pet’s vaccination record.

It’s vital all the enclosed documents are stamped by your vet practice, you can then email everything to enquiries@petprotect.co.uk or send it by mail to Pet Protect Limited, Betchworth House, 57-65 Station Road, Redhill RH1 1DL.

How much will this cost me?

There are a number of factors that can affect the cost of your Pet Protect annual or monthly insurance premiums, including:

  • The level of cover you choose. Taking out either Lifetime policy will be more expensive than Pet Protect’s most basic Time Care insurance, which will be reflected in higher premium costs.
  • Your pet. Various factors such as the size, species and age of your pet will affect how much you have to pay in insurance. Older animals, for instance, obviously pose more of a risk to an insurer. They’re far more likely to go to the vet for expensive treatment.

Pet Protect pros and cons

Pros

  • You can get cover for more holistic treatments.
  • Five cover levels available.
  • You can choose whether to pay premiums monthly or annually.
  • Comprehensive policies that offer protection for injuries and illnesses.

Cons

  • Doesn’t offer any policies that provide cover for pre-existing conditions.

*Disclaimer: Please take reasonable care to answer all the questions honestly and to the best of your knowledge. If you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid.

The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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